Medical Benefits Overview

St. Cloud State University offers medical plans that provides comprehensive coverage including preventive care, an excellent prescription drug program, a wide network of health care providers, and out-of-pocket maximums that protect your bottom line. Whether you are a new employee, current employee, or recently separated employee, this is the right place to learn more about your benefit options.

As a state employee, you have access to one of the most affordable health insurance plans in Minnesota, the Minnesota Advantage Health Plan. People enrolled in the plan may also cover their spouse, children, and other dependents who are eligible. It includes low cost and free care for people with diabetes, fertility treatments including IVF, low cost and free mental health care, online care, care when you travel, along with other benefits to help you and your family be well.

We have two companies which administer medical benefits under our Advantage Health Plan that you may choose from: Blue Cross and Blue Shield MN or HealthPartners. Regardless of the Health Plan Administrator that you select, CVS Caremark will be the Pharmacy Benefit Manager. See our additional information section below to learn more about the importance of choosing the right insurance plan for the Primary Care Clinic (PCC) you select. Different cost levels will be associated to different clinics depending on the carrier selected. 

Eligibility

Employees in the following employment class are eligible to participate in the health insurance plans:

  • Regular full-time employees
  • Regular part-time employees
  • Seasonal employees

See Collective Bargaining Agreement or Plan for specific eligibility requirements, maintenance eligibility, and employer contributions.

Additional Information

Health Plan Overview Video

Benefit Enrollment

Assigning a Primary Care Clinic (PCC)

Prior Authorization and Referrals

Prescription Drug Coverage

Miscellaneous Coverage Details

Contact Information

humanresources@stcloudstate.edu
(320) 308-3203

I'VE BEEN INJURED